What is a personal accident?

A personal accident is one that happens on your trip. If it causes permanent disability within 12 months we'll pay for:

• your permanent total disability caused by an accident during your trip that:
  • stops you from working in any UK job you’re qualified for,
  • lasts for 12 months,
  • our medical advisor believes isn't going to improve at the end of those 12 months.
• the permanent loss of use of one or more of your limbs, at or above the wrist or ankle,
• irrecoverable loss of sight in one or both eyes for a period of at least 12 months.

If you die, we'll pay up to the amount shown below:

Death benefit - aged 18 to 65

• Bronze £5,000
• Silver £7,500
• Gold £10,000
• Platinum £25,000

Death benefit - aged under 18

• Bronze £2,500
• Silver £2,500
• Gold £2,500
• Platinum £2,500

We’ll pay you, your executors, or administrators up to the maximum limit as defined by your policy.